Ihr zuverlässiger Partner für
     Krankenversicherung im Ausland



Care College - günstige Krankenversicherung für Sprachschüler und Studenten

Care College - günstige Krankenversicherung für Sprachschüler und Studenten

Beschreibung


günstige Krankenversicherung für Sprachschüler und Studenten Care College 5 günstige Krankenversicherung für Sprachschüler und Studenten Care College 1 günstige Krankenversicherung für Sprachschüler und Studenten Care College 2 günstige Krankenversicherung für Sprachschüler und Studenten Care College 7 günstige Krankenversicherung für Sprachschüler und Studenten Care College 4 günstige Krankenversicherung für Sprachschüler und Studenten Care College 6 günstige Krankenversicherung für Sprachschüler und Studenten Care College 3 günstige Krankenversicherung für Sprachschüler und Studenten Care College 10
Description insurance tariff Care College Basic/Comfort/Premium
Health insurance students Why take out health insurance for a stay abroad?
Health insurance students Product description
Health insurance students Premium List
Health insurance students Assistance benefits
Health insurance students Notes on insurance cover
Health insurance students Summary of benefits
Health insurance students What is not covered?
Health insurance students Information in event od claim or illness
Health insurance students Liability/accident insurance
Health insurance students Information on statutory student insurance
Health insurance students General insurance conditions
günstige Krankenversicherung für Sprachschüler und Studenten Care College 4 günstige Krankenversicherung für Sprachschüler und Studenten Care College 6 günstige Krankenversicherung für Sprachschüler und Studenten Care College 3 günstige Krankenversicherung für Sprachschüler und Studenten Care College 10
Why take out health insurance for a stay abroad?
Many foreign language pupils and students staying abroad for a specific period take out inadequate health insurance or none at all. But, unfortunately, illness or accidents can never be entirely ruled out and can result in considerable financial cost. Care College protects you from the costs of necessary medical treatment abroad.
Product description Tarif Care College Basic

Summary of benefits:

I. Health insurance

  • out-patient treatment by a doctor
  • in-patient treatment at a hospital (general nursing class)
  • medically necessary rehabilitation measures (follow-up treatment)
  • transportation costs to hospital for medical reasons
  • 100% cost cover for medications and remedies
  • replacement of accident-related medical aids up to EUR 250.00 (not including visual aids)
  • pregnancy examinations and treatment (EUR 50.00 deductible per pregnancy examination) – as long as the insured is not pregnant on commencement of cover or at the time of applying for renewal of cover – plus delivery (8 month waiting period, EUR 250.00 deductible per insured event)
  • analgesic dental treatment – 100% (up to EUR 250.00 - above that 50%)
  • additional costs of repatriation for medical reasons, up to max. EUR 10,000.00
  • repatriation costs/funeral expenses in event of the death of the insured person, up to EUR 25,000.00
  • up to 4 weeks secondary liability
  • insurance cover in own country /third states
    • up to 14 days (duration up to 3 months)
    • up to 28 days (duration from 4 months up to 11 months)
    • up to 42 days/ insurance year (duration from 12 months)
    Der Aufenthalt muss der Care Concept AG vorher schriftlich mitgeteilt werden.

The tariff provides for a general deductible of EUR 50.00 per claim. Costs will be reimbursed at up to 1.8 times the rate of the scale of fees (GOÄ/GOZ).
For a complete list of benefits see the general insurance conditions (AVB)..

Product description Care College Comfort
The product is based on Care College Basic with the following extras:

I. Health insurance:
  • 50% of the costs of dental prosthesis up to max. EUR 500.00 within two years of insurance term (8 months qualifying period for dental prosthesis)
  • additional costs of repatriation for medical reasons, 100%
  • no deductible except for gynaecological examinations or deliveries
  • reimbursement takes place within the framework of the scale of fees (GOÄ resp. GOZ) without limitation to 1.8 times the rate.
  • credit note for 1.5 month's premium if no claims within 12 months in one insurance year
  • There is a compensation payment of EUR 1,500.00 (per insurance year) in event of a medically necessary in-patient treatment (for at least 14 days) and a subsequent inability to work (for a combined total of at least 90 days).
  • auf Antrag: Transportkosten für Besuch eines Familienangehörigen bei stationärer Krankenhausbehandlung von mehr als 14 Tagen Dauer (500,– EUR)

For a complete list of benefits see the general insurance conditions.

Product description Care College Premium
The product is based on Care College Comfort with the following extras:

I. Health insurance:
  • 100% basic version accident-related medical aids
  • up to EUR 100.00 visual aids (3 months qualifying period)
  • 100% of the costs of accident-related dental prothesis up to max. EUR 2,500.00
  • 70% of the costs of dental prosthesis up to max. EUR 1,000.00 within two years of insurance term (8 months qualifying period for dental prosthesis)
  • repatriation costs/funeral expenses in event of death of the insured, up to EUR 25,000.00
  • up to 8 weeks secondary liability
  • no deductible except for deliveries
  • There is a compensation payment of EUR 2,500.00 (per insurance year) in event of a medically necessary in-patient treatment (for at least 14 days) and a subsequent inability to work (for a combined total of at least 90 days).
  • Krankenhaustagegeld (pauschal 100 EUR bei Krankenhausaufenthalten von mehr als 14 Tagen)
  • auf Antrag: Transportkosten für Besuch eines Familienangehörigen bei stationärer Krankenhausbehandlung von mehr als 14 Tagen Dauer (1250,– EUR)
  • credit note for 2 month's premium if no claims within 12 months in one insurance year

For a complete list of benefits see the general insurance conditions.

Insurance cover at a fair price:
The Care College policy is available in different cover versions as well as for differing periods. The premiums differ according to the duration of the policy. The premium due on policies with a term of more than 18 months increases as of the 19th month. For prices per month please refer to the following list:
Prämienübersicht Care College
Produkt Care College Basic Care College Comfort Care College Premium
EUR / Monat 28,0051,0035,0059,0063,0083,00
Assistance benefits
  • available 24 hours a day, 365 days a year
  • answers to questions on existing insurance cover and benefits
  • information on medical treatment at home and abroad
  • list of registered doctors, hospitals and special clinics with relevant language skills
  • list of emergency doctors, dentists and chemists
  • list of solicitors
  • assistance in event of language problems, e.g. at the doctor's surgery or the hospital
  • general information on types of illness, possible causes and treatment options
  • notification of relatives abroad upon request
  • organisation of rescue flights and return home
Notes on insurance cover
  1. Who can take out Care College Basic/Comfort/Premium insurance?

    For the purposes of training or further education
    • foreign nationals travelling temporarily to Germany or EU / Schengen states;
    • foreign nationals living in Germany or Austria and intending to travel abroad temporarily except to the USA, Canada and Mexico (NAFTA);
    • German or Austrian nationals travelling abroad temporarily - except to the USA, Canada and Mexico (NAFTA);
    • German or Austrian nationals living abroad for at least two years and travelling temporarily to Germany or EU / Schengen states
    can insure themselves via Care College Basic/Comfort/Premium. The insured person must be at least 12 and no more than 35 years of age when cover begins or on renewal of cover. The policyholder must be at least 18 years of age.
    Note: The main reason for the stay abroad must be training and/or further education.
  2. Applicability
    The insurance applies only during the stay in Germany, EU / Schengen states or abroad, as applicable (the countries of the North American Free Trade Area NAFTA: USA, Canada, Mexico are excepted). The insurance cover also applies if the stay abroad includes stays in more than one host country and a move to different countries is necessary as part of the language learning process or study/training. Brief stays in the home country and in third countries of up to 6 weeks per insurance year (insurance year: 12 months from commencement of cover) are possible.
  3. How is the insurance cover taken out?
    All you need to do is complete the direct debit order and forward it to us. Once we receive your application, you will then also receive the insurance certificate by e-mail together with treatment vouchers to be given to a doctor. You will always receive your insurance card by post.
    We will then debit the premium(s) from your account in accordance with your chosen payment interval giving your policy number(s).
    You must apply for any renewal in written form before coverage expires.
Please note:
Payment to Care Concept AG is deemed made if a pre-authorised payment mandate is issued when the insurance contract is completed and the account number stated contains sufficient funds when the debit note is presented.
  1. Duration of insurance and waiting periods
    The insurance policy must be taken out for the full duration of the stay. It begins and ends
    on the dates stated in the insurance certificate; it should be taken out within 31 days of entry
    into the Federal Republic of Germany or EU/Schengen states or rather before the start of the journey abroad; it ends with regard to the health insurance after 5 years at the latest.

    If you have already left the country, or entered the country more than 31 days ago, you can nonetheless take out insurance. In this case a general qualifying period of 31 days applies merely to the health insurance. There is no qualifying period for accidents, or if you can demonstrate prior cover immediately preceding the new policy.

  2. Renewal (follow-on policy)
    Should your stay last longer than planned you can simply take out a follow-on policy. But the application must be send to Care Concept AG online-form with the following link: renewals online before expiry of the original policy and the insurer must explicitly approve it. Any follow-on policy must start immediately at the end of the previous policy. If you apply for renewal later, a new waiting period of 31 days from commencement of the renewal applies, so it makes sense to conclude longer terms from the outset. In total, you can insure yourself for a maximum of five years – including all renewals – in the health insurance.
  3. Termination - Cancellation
    Premature termination is possible if the insured person
    • leaves Germany or EU/Schengen states, or returns from the foreign trip, prematurely, or
    • becomes subject to social security insurance in the host country, or
    • no longer meets a condition for continuation of the policy, e.g. regarding the health insurance on ending of the further education course.
    The policy can be terminated at the earliest on the date on which Care Concept AG in text form receives the corresponding notification. An administration fee of EUR 5.00 will be charged on every refund of premium paid in excess.

In the event of further questions Care Concept AG is only too pleased to be of service on the
following free numbers from the fixed-line telephone network in Germany.
Phone: 0800 -977 35000800 -977 3500 Fax: 0800 9773535

Otherwise dial:
Phone: +49 228 - 977 35 - 11+49 228 - 977 35 - 11 Fax: +49 228 97735-911
e-mail:


Care College Basic/-Comfort/-Premium -
Alle Leistungen auf einen Blick
Krankenversicherung
Leistungen* Care College Basic Care College Comfort Care College Premium
Basic: Online-Antrag Comfort: Online-Antrag Premium: Online-Antrag
Notfallservice weltweit Basic: Ja Comfort: Ja Premium: Ja
ärztlich verordnete Medikamente und Krankentransporte Basic: Ja Comfort: Ja Premium: Ja
stationäre Behandlung im Krankenhaus in der allgemeinen Pflegeklasse - Mehrbettzimmer - ohne Wahlleistungen Basic: Ja Comfort: Ja Premium: Ja
Schwangerschaftsuntersuchungen und -behandlungen Basic: Ja 50,– EUR SB Comfort: Ja 25,– EUR SB Premium: Ja
Kostenerstattung Heilbehandlungskosten nach GOÄ/GOZ Basic: Jabis max. 1,8 facher Satz Comfort: Jabis max. 2,3 facher Satz Premium: Jabis max. 2,3 facher Satz
ärztlich verordnete Hilfsmittel nach einem Unfall (einfache Ausführung) Basic: Jabis 250,– EUR Comfort: Ja bis 250,– EUR Premium: Ja zu 100 %
Mehrkosten eines medizinisch sinnvollen Rücktransports Basic: Jabis 10.000,– EUR Comfort: Jazu 100 % Premium: Jazu 100 %
schmerzstillende Zahnbehandlung (Vorlage Heil-/Kostenplan bei Behandlung von mehr als zwei Zähnen) Basic: Ja 100 % (bis 250,– EUR), ab dann 50 % Comfort: Ja 100 % (bis 500,– EUR), ab dann 50 % Premium: Jazu 100 %
Überführungskosten bei Tod/Bestattungskosten Basic: Jabis 25.000,– EUR Comfort: Jabis 25.000,– EUR Premium: Jabis 25.000,– EUR
Selbstbeteiligung je Versicherungsfall Basic: Ja50,– EUR Comfort: Janur bei Frauenärzten Premium: -
Nachhaftung Basic: Ja4 Wochen Comfort: Ja4 Wochen Premium: Ja8 Wochen
Zahnersatzkosten (in 2 Versicherungsjahren; Wartezeit 8 Monate) Basic: - Comfort: Ja50 % bis max. 500,– EUR Premium: Ja70 % bis max. 1.000,– EUR
Rückerstattung bei Leistungsfreiheit innerhalb eines Versicherungsjahres Basic: - Comfort: Ja1,5 Monatsprämien Premium: Ja2 Monatsprämien
Ausfallgeld bei schwerer Erkrankung Basic: - Comfort: Ja1.500,– EUR/Versicherungsjahr Premium: Ja2.500,– EUR/Versicherungsjahr
auf Antrag: Transportkosten für Besuch eines Familienangehörigen bei stationärer Krankenhausbehandlung von mehr als 14 Tagen Dauer Basic: - Comfort: Ja 500,– EUR Premium: Ja 1.250,– EUR
Sehhilfen (bis 100,– EUR; Wartezeit 3 Monate) Basic: - Comfort: - Premium: Ja
Krankenhaustagegeld (pauschal 100,– EUR bei Krankenhausaufenthalten von mehr als 14 Tagen) Basic: - Comfort: - Premium: Ja
unfallbedingter Zahnersatz bis max. 2.500,– EUR Basic: - Comfort: - Premium: Ja

*Den genauen Leistungsumfang entnehmen Sie bitte den Versicherungsbedingungen



Consumer information
Exclusions
  • Illnesses and consequences of accidents, treatment of which abroad was the sole reason, or one of the reasons, for starting the journey
  • Costs for illnesses, complaints and consequences of accidents that already exist, or are known, on commencement of cover or renewal, and the consequences of such illnesses and accidents that have been treated within the last six months before commencement of cover or renewal, exceed EUR 30,000.00*
  • Examinations and treatment of pregnancies that already existed prior to commencement of cover and/or on application for policy renewal
  • Termination of pregnancies and contraception
  • Optional services in hospitals
  • Aids not due to accidents
  • Psychotherapy / psychoanalysis treatment
  • Drug withdrawal measures, cures and sanatorium treatment
  • Cosmetic treatment (e.g. scar corrections, non-essential acne and wart removals etc.)
  • Medical check-ups, vaccinations
  • Plaque removal, paradontosis treatments
  • Orthodontic treatment, dental braces, implantological and gnathological measures
  • Examinations for the purposes of obtaining a residence permit
  • Certificates and expert opinions
* Otherwise, the own risk for these costs is EUR 5,000.00 per insurance year.
You will find a detailed description of benefits in the insurance conditions.
Important information in event of claim or illness

The original doctors’ bills or notifications of damages should be submitted
quoting the insurance policy no.:


Care Concept AG | Postfach 30 02 62
53182 Bonn
Phone: 0800 -977 35000800 -977 3500 or +49 228 977 35-22+49 228 977 35-22 | Fax: 0800 9773535 or +49 228 97735-922
e-mail:

Please always carry the insurance card with your personal details with you in case of emergencies. This was sent to you with the confirmation by post. Our telephone number is also stated on the card. If you have any questions about the insurance cover or other insurance procedures, please call the
(from the German fixed line network free) service number stated above.


In event of liability
In event of liability claims no acceptance of fault should be indicated to the injured party. Care Concept AG will alone investigate which party is at fault.

In event of accident
If the accident should result in death, this fact is to be communicated to Care Concept AG within 48 hours at the latest, even if the accident has already been reported.

In event of illness
If you need out-patient treatment, please present the treatment ticket sent to you with the confirmation – and signed by you – to the doctor. In order to save you unnecessary administrative expenses, we pay the benefits from the policy in Germany and Austria direct to the doctor, after deducting any applicable deductibles.If undergoing in-patient treatment please get the hospital to request a cost acceptance declaration from Care Concept AG on fax number + 49 228 97735-922. Prescription charges incurred – where you are entitled to them – will be reimbursed to the account number provided to us by the policyholder once we have received the corresponding medical invoices.
Note: For treatment abroad, please send the originals of any bills you have paid to Care Concept AG in Bonn. Please ensure that the doctor makes a note of the diagnosis on the documents. Any reimbursement will then be made to the policyholder’s account number in our possession.


The treatment costs for accident injuries are covered by the health insurance. Long-term invalidity risks can only be covered by an accident insurance policy. We therefore recommend that you take out an accident and liability policy.


Die Haftpflichtversicherung schützt Sie vor den Schadenersatzansprüchen Dritter.
Die Unfallversicherung schützt vor finanziellen Folgen bei Minderung Ihrer Arbeitsleistung durch Invalidität oder durch Tod nach einem Unfall.

Zusätzlich zur Krankenversicherung bieten wir – in einem rechtlich unabhängigen Vertrag – eine Privathaftpflichtversicherung oder ein Privathaftpflicht-/Unfallversicherungspaket mit folgendem Umfang an:

Privathaftpflichtversicherung Typ S Typ M Typ XL
Deckungssummen für Personen- und Sachschäden pauschal Typ S: €1 Mio. Typ M: €2 Mio. Typ XL: €2.5 Mio.
Abschiebekosten zur Absicherung bei Verpflichtungserklärungen des Versicherungnehmers gegenüber deutschen Behörden Typ S: €1.000 Typ M: €2.000 Typ XL: €3.000
Mitversicherung von Mietsachschäden an unbeweglichen Gegenständen, Selbstbehalt 10 %, mindestens 250,– EUR je Schadenereignis Typ S: €10.000 Typ M: €25.000 Typ XL: €50.000
Schlüsselverlustrisiko für private Wohnungen (bzw. Zimmer oder Apartment), Selbstbehalt 100,– EUR je Schadenereignis Typ S: - Typ M: - Typ XL: €1.000
Allgemeiner Selbstbehalt je Schadenfall Typ S: €250 Typ M: €0 Typ XL: €0
 
Unfallversicherung Typ S Typ M Typ XL
Invaliditäts-Grundsumme Typ S: - Typ M: €30.000 Typ XL: €40.000
Maximale Invaliditätssumme bei Progressionstaffel 350 % Typ S: - Typ M: €105.000 Typ XL: €140.000
Todesfallsumme bei Unfalltod Typ S: - Typ M: €15.000 Typ XL: €25.000
Bergungskosten nach einem Unfall Typ S: - Typ M: €7.500 Typ XL: €10.000
Unfallbedingte kosmetische Operationen Typ S: - Typ M: €2.500 Typ XL: €5.000
Monatsprämie* Typ S: € 2 Typ M: €4 Typ XL: €7.50
Mindestprämie Typ S: €10 Typ M: €12 Typ XL: €15

* Die Prämie muss als Einmalprämie für die gesamte Laufzeit bezahlt werden. Der Versicherungsschutz besteht nur bei vollständig gezahlter Versicherungsprämie.
Den genauen Leistungsumfang entnehmen Sie bitte den

Bedingungen zur Unfall- und Haftpflichtversicherung .
Information on statutory student insurance

Study carefree and enjoy excellent insurance all round!

If you want to study in Germany later, you must as a rule be insured via a statutory health insurance fund (also see page 48: Extracts from the German Social Security Code). We give you the opportunity to then move seamlessly into a statutory health insurance fund.

To make it easy for you, we offer you a special service: For enrolment at a college or university you need a certificate from a statutory health insurance fund. We organize that for you.

Your benefits

  • optimum insurance cover from the very first day from a single source
  • foreign language support
  • inexpensive premium with outstanding service

Premiums

The German Ministry of Health establishes the premium for student health insurance and nursing insurance uniformly and at the same level for all statutory health insurance funds. As an example, for the summer semester 2017 these are

  • for health insurance EUR 76,07 per month
  • for nursing insurance EUR 16,55 per month or EUR 18,17 (for persons without children from 23 years of age).

It’s this simple

With us you enjoy complete insurance cover from the first day of the semester with all the added features in benefits and services. The college then reports to the health insurance fund that you have started your studies.

Without this confirmation you cannot start studying!

In the event of further questions Care Concept AG is only too pleased to be of service on the
following free numbers from the fixed-line telephone network in Germany:
Phone: 0800 -977 35000800 -977 3500
Fax: 0800 9773535

Otherwise dial:
Phone: +49 228 - 977 35 - 44+49 228 - 977 35 - 44
Fax: + 49 228 97735-944
e-mail:

Further information: statutory health insurance for students


Download description health insurance for studnets and language pupils

Auslandskrankenversicherung Care College Designelement Druck  Download description health insurance for language pupils and students (PDF 121KB)


günstige Krankenversicherung für Sprachschüler und Studenten Care College 5 günstige Krankenversicherung für Sprachschüler und Studenten Care College 1 günstige Krankenversicherung für Sprachschüler und Studenten Care College 2 günstige Krankenversicherung für Sprachschüler und Studenten Care College 7

Care College

Versicherungstyp: Auslandsversicherung für Sprachschüler, ausländische Studenten / Gastwissenschaftler / Doktoranden & working bzw. work and holiday / study programme



 Direktbuchung

Care Concept AG
Ihr zuverlässiger Partner für Krankenversicherung im Ausland

Care College x

Versicherungstyp
Krankenversicherung für Sprachschüler und Studenten
Versicherbare Personen
Sprachschüler, ausländische Studenten, Doktoranden
Eintrittsalter
12-35 Jahre
Prämie Care College
ab EUR 28,00 / Monat
Laufzeit
1 - 60 Monate
Leistungen*
  • Gültig für das Schengen-Visum
  • Ambulante, stationäre, zahnmedizinische Behandlung
  • Mehrkosten eines medizinisch sinnvollen Rücktransports ins Heimatland
  • Comfort: Rückerstattung von 1,5 Monatsprämien bei Leistungsfreiheit innerhalb eines Versicherungsjahres (Premium: 2 Monatsprämien)
Care College • Beschreibung • Care College Krankenversicherung, Studentenversicherung, Sprachschülerversicherung, Gastschülerversicherung Sprachschüler, ausländische Studenten, Gastschüler, Stipendiaten, Doktoranden, Auslandssemester, Sprachreisen Information
Care College • Kurzinformation • Care College Krankenversicherung, Studentenversicherung, Sprachschülerversicherung, Gastschülerversicherung Sprachschüler, ausländische Studenten, Gastschüler, Stipendiaten, Doktoranden, Auslandssemester, Sprachreisen Kurzinformation (PDF)
Care College • Online-Antrag • Care College Krankenversicherung, Studentenversicherung, Sprachschülerversicherung, Gastschülerversicherung Sprachschüler, ausländische Studenten, Gastschüler, Stipendiaten, Doktoranden, Auslandssemester, Sprachreisen Online-Antrag

*Den genauen Leistungsumfang entnehmen Sie bitte den Versicherungsbedingungen